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Crescira AVM · estimated value ● Medium confidence
HK$5.45M
≈ HK$13,295 / ft² saleable · updated 2026-09-01
Not an offer or formal valuation

Mortgage Intelligence

Fully appraised HIBOR 1M · 3.9% Prime · 6.125%

Typical HK bank rates as of July 2026 — this site has no live rate feed; check current HIBOR and Prime with your bank.

At today's rate and a 90% mortgage, the deposit on this unit is about HK$545K, with repayments around HK$23,777/mo for the first 5 years.

Mortgage plan · rate basis
H-plan · HIBOR + 1.30%
5.2% → capped 4.125%
Prime Rate (P-plan) · P − 2.00%
4.125%

The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.

If rates change · monthly repayment
LTV 90%
Term
▼ 0.50% · 3.625%
HK$22,374
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,070
−HK$707/mo
Today · 4.125%
HK$23,777
baseline
▲ 0.50% · 4.625%
HK$25,224
+HK$1,447/mo

Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,554/mo (50% DSR)

Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,651 · Scale 2, in force from 26 Feb 2026)

Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).

Unit Information

Floor
15/F
Flat
C
Saleable Area
410 ft²
Gross Area
580 ft²
Efficiency
71%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2023-02-10 HK$7.00M −3.8%
3.1y
2020-02-04 HK$7.28M +4.0%
4.4y
2015-08-28 HK$7.00M +435.2%
11.3y
2004-05-21 HK$1.31M −52.9%
7.0y
1997-05-22 HK$2.78M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Tin Hau
≈ 7 min walk · 528 m
Education
41
schools within 1 km (14 within 500 m)
Daily convenience
50
within 1 km (5 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
72
parks, libraries, sports within 1 km

Excellent connectivity — about 7 min walk to Tin Hau Station (a rail station within an 8-min walk earns this label).

Family-friendly — 41 schools within a 1 km walk.

Everyday convenience — 50 shopping and daily-needs spots nearby.

Healthcare close by — 3 hospitals/clinics within 1 km.

Green space & leisure — 72 parks, libraries and sports venues nearby.

Location

Other appraised units in this building